One major benefit that travelers get from their credit cards is car rental insurance. The coverage that these credit cards give for your car rentals comes in two forms- secondary and primary. If you are looking for a credit card that offers car rental insurance, then you should keep an eye out for one that gives you primary coverage. In the course of this article, we will be sharing the 5 best car rental insurance credit cards.
1. Chase Sapphire Reserve
This credit card offers its users a mix of high reward rates and redemption flexibility. If you sign up for this credit card, you will get 60,000 points that can be transferred to travel partners. The annual fee for the chase Sapphire Reserve car rental insurance credit card is $95. Also worth noting is that there is no foreign transaction fee for using this car rental insurance credit card.
What’s more, you can earn up to 100k bonus points after reaching a spending threshold in the first three months from account opening.
2. United Club Infinite Card
This is an interesting credit card for car rental insurance whose annual fee is $525. When you purchase this credit card, you get a nice offer of 4 miles per dollar earnings. It is important to note that the club membership of the United Club Infinite card is worth more than its annual fee. Another interesting benefit of making use of this credit card is that you get a 25% return as a statement credit on food, beverage, and Wi-Fi onboard United-operated flights purchases. If all these features interest you, then make the United Club Infinite Card a must-use.
3. United Explorer Card
This is another credit card for persons seeking car rental insurance options that suits their pocket. They offer you a $0 annual fee for the first year then charge you $95 for the second. Did you know that with this credit card, you can earn unlimited miles with no caps? The card offers no blackout dates, and you get a 25% return on Car rental purchases. If all these features of the United Explorer credit card interest you, then make it a must-have for your car rental insurance.
4. Chase Sapphire Preferred Card
This is an interesting beginner travel credit card that gives you the best options for car rental insurance. With this card, you earn up to 60,000 bonus points after reaching the spending threshold of $4000 in the first three months from account opening.
Here is a list of other interesting benefits of opting for this car rental insurance credit card:
- Get $50 annual ultimate rewards hotel credit.
- Get 25% more value when you use the credit card to redeem a car rental.
- The car rental option of this credit card comes packed with lost luggage insurance, auto rental collision damage waiver, and count on trip cancellation insurance.
5. Chase Ink Business Preferred Credit Card
With the aid of this credit card, you get 3 points per dollar spent on traveling by your rented car. They offer fraud protection in real-time with the transactions you make with the credit card. It is important to note that the car rental benefit of this credit card requires the customer to decline the collision insurance.
Here are other interesting benefits of opting for this card for car rental insurance:
- They offer primary rental car coverage that is reimbursed when the rented car is damaged or stolen.
- You get a welcome bonus of 100,000 points after you reach a spending threshold of $15,000 in the first 3 months from account opening.
Understanding The Primary And Secondary Coverage That Most Credit Cards Offer Customers Seeking Car Rental Insurance
The insurance that most credit card companies offer can be classified into primary and secondary. Most credit cards offer the secondary insurance type for rental cars. What this means is that the credit cards insurance will only pay the amount that was not covered by another insurance policy that the driver has. This implies that you have to file a claim with the other insurance company first if you incur a car loss or damage.
Primary coverage on the flip side makes your personal car insurance immaterial. This implies that the car rental insurance of your credit card comes first. If you intend to file a claim, just turn the back of your card, and start calling the number at it.